Cover your rideshare trips with RACQ Comprehensive Car Insurance

RACQ is a different kind of insurer. If you’re a rideshare driver using your privately owned vehicle, you can take out comprehensive car insurance with us. And when you insure with RACQ you’ll become a member.* We’re owned by our members, so whether you’re driving dozens of passengers a day or just ridesharing in your free time, you know we’ll be by your side if things go wrong.

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What does RACQ Comprehensive Car Insurance for rideshare cover?

Get up to speed on all the important details by reading our Product Disclosure Statement (PDS), any applicable Supplementary PDS and Target Market Determinations

Note: RACQ motor products do not provide cover for taxis, tools of trade, stock in trade, or loss of income.

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    Loss or damage to your vehicle in a flood, storm, hail, theft, accident, vandalism or fire event
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    Up to $20 million cover for damage to other people’s property caused by your car 
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    Choice of repairer and lifetime repair guarantee on work completed by an RACQ Insurance selected repairer
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    Hire car for up to 21 days (up to $75 a day) if your vehicle is stolen 
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    Cover for personal property

    We pay up to $500 for personal property inside your vehicle that is damaged from being involved in an incident.

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    Towing and storage costs
    We pay the costs of towing and storage of your vehicle for up to 30 days after an incident or theft (up to $100 a day).
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    Theft of vehicle keys
    We pay up to $750 to replace and recode vehicle keys and locks.
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    Change of vehicle
    If you sell your vehicle and replace it with a similar vehicle, we automatically cover it for 14 days.

Optional benefits

Find out more about the optional benefits you can add to RACQ Comprehensive Car Insurance for rideshare by reading our Product Disclosure Statement (PDS), any applicable Supplementary PDS and Target Market Determinations.  

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    Hire car after an event

    Get a hire car for up to 21 days (up to $75 a day) if you're unable to use your vehicle as the result of an incident.

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    Excess free windscreen or window glass claim

    Get one excess free windscreen or window glass claim during the period of your insurance.

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    No Claim Discount (NCD)

    If you have a Rating 1, you can protect this rating in the event of an at fault claim.~ Gold and Gold 50 RACQ members receive this benefit at no extra cost.


Why choose RACQ to cover your rideshare vehicle?

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    We paid 99.6% of RACQ Comprehensive Car Insurance claims in 2021.^
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    Your cover includes a hire car after an incident where the other driver is entirely responsible.
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    We provide a lifetime guarantee on repairs when you use an RACQ selected repairer.
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    Our Queensland-based team are here when you need us – click, call or visit us in store.

Save on your comprehensive car insurance for rideshare

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    Multi policy discount
    Save up to 5% off each eligible policy when you have three or more RACQ insurance policies.
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    No claim discount
    Never made a claim? Great! You could get up to 60% off your comprehensive car insurance premiums.

Award-winning insurance

Our car and home insurance has won more than 20 Mozo People’s Choice Awards since 2020.

Mozo awards 2022

Get member benefits when you cover your rideshare vehicle~~

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Save money at the car wash
Take advantage of your 10% discount on all Star Car Wash services.
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Enjoy everyday fuel discounts
Save 4c per litre at participating Puma Energy and new Caltex service stations.#
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Spend less on car maintenance
Get 5% off parts and accessories at Repco stores.
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Give back to the community
Support the RACQ Air Rescue Network with your membership.

Rideshare insurance FAQs

Things to note

Insurance products (excluding Travel Insurance and the Life and Income Protection Insurance suite of products) are issued by RACQ Insurance Limited ABN 50 009 704 152 (RACQ). Conditions, limits and exclusions apply. This is general advice only and may not be right for you. This information does not take your personal objectives, circumstances or needs into account. Read the PDS and any applicable Supplementary PDS before making a purchase decision on this product. You can also access our Target Market Determinations on this website.

~Only applies to your first at fault claim during the period of insurance. 

*RACQ membership is not available through CTP insurance and Travel Insurance.

^Based on 2021 RACQ data during the assessment period 1 January to 31 December 2021, 99.61% of comprehensive car insurance claims made (excluding withdrawn and duplicate claims) were not partially or fully rejected.

~~ Terms and conditions apply to all offers. View the individual offer for full details. Offer is subject to availability and may be withdrawn at any time without notice.

#Conditions apply. Offer available at participating Puma Energy and new Caltex stations. Visit racq.com/puma for details.